Self-employed and trying to buy a house? Don’t start by walking into a big bank. Most banks underwrite off your tax returns, and if you write off a lot (like most business owners do), they’ll say you “don’t make enough” to qualify. Example: if your business deposits around $15,000/month, a bank statement program may use those deposits to calculate your income (usually with an expense factor—often around 25%) so you’re not forced to “undo” all your deductions just to get approved. If you’re self-
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